Trust In God Group
Celestina is the group representative. She is 46 years old and married to Samuel. Together, they have two children who both attend school, and for whom they are responsible. Celestina and Samuel live together with their children, and both provide for the expenses of their household.
Celestina left school at the secondary level and began selling rice, beans and cooking oil twelve years ago. She is very successful with her business, which allows her to provide for her needs and those of her children. She buys rice, beans and salad oil from the market and sells it to customers.
She would like to be able to respond better to the demands of her customers, so she has requested this sixth loan, with the other members of Trust in God, from the field partner. This loan will enable them to fulfill their customers' needs and make more profit. The previous loans were fully and correctly repaid.
About ID GhanaID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Accra. ID Ghana’s socially-oriented business model provides clients with a number of social services, including financial literacy training, group discussions led by peer educators on health and nutrition education, child schooling, basic medical services, and counseling and legal services for women victims of violence.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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